Winter storm advice and what to do in the event of making a claim

HomeNewsWinter storm advice and what to do in the event of making a claim

With bad weather and storms set to hit the UK it is important for you and your business to be prepared. Below is some advice on how to prepare and what you need to do in the unfortunate event of any damage to your property, business or vehicle.

Be prepared

Securely fasten all doors and windows

Check trees and any overhanging branches that could blow off and cause damage

Increase the distance between your vehicle and the vehicle in front – in ice and snow stopping times are 10 times larger.

In reduced visibility such as driving in rain or fog, use dipped headlights and rear fog lights. Use windscreen wipers to keep the windscreen clear, even in fog.

Remember to turn fog lights off when no longer required as they can distract other road users in normal visibility.

Remember snow is visible but ice, especially black ice, is often invisible.

Avoid sudden braking or harsh acceleration or steering manoeuvres.

Keep all windows and mirrors clean, clear of snow and ice and free of mist. Keep lights and indicators clean.

If planning a long journey advise someone of your destination and approximate arrival time.

If you have one, carry a mobile phone, ensure it is fully charged. Do not use whilst driving.

If stranded in bad weather try to ensure you are not blocking access for emergency vehicles. Remain with the vehicle unless there is shelter nearby. Maintain your circulation by moving your body. If you can, use the engine to keep you warm; but do not use the engine if the exhaust cannot vent safely. If you are snowed over ensure that there is an airway maintained.

In the unfortunate event you are involved in a road traffic incident, these steps should be followed at the scene of an incident:

You must stop and exchange details with any third parties involved. This is a legal requirement.

Stay calm and act in a manner which does not expose anyone to danger.

Inform the emergency services and call for assistance if required.

If you are involved in an incident resulting in someone being injured, or if you are unable to exchange particulars with the third party, you must inform the police within 24 hours.

If you are involved in an accident no statements admitting fault or liability should be made to third parties. The police should be given reasonable assistance.

Record the following details:

Date time and location of accident.

Vehicle registration numbers of third party vehicles(s)

Third party drivers’ name address.

Third party Insurance Company and policy number.

Name and number of the police officer attending the accident.

Police incident number. Officers’ number and station.

Sketches or photographs of the accident scene showing position of vehicles, road markings etc.